Terms and Conditions

Last Updated: February 17, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website www.ft-associates.com (the "Site") operated by Frank Taylor & Associates ("we," "our," or "us"). Please read these Terms carefully before using the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Site.

2. Use of the Site

You may use the Site for lawful purposes only. You agree not to use the Site:

• In any way that violates any applicable law or regulation
• To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material
• To impersonate or attempt to impersonate the company, a company employee, another user, or any other person or entity
• In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful

3. Intellectual Property Rights

The Site and its original content, features, and functionality are owned by Frank Taylor & Associates and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

4. User Accounts

If you create an account on the Site, you are responsible for maintaining the security of your account and password. We cannot and will not be liable for any loss or damage from your failure to comply with this security obligation.

5. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy, which also governs your use of the Site, to understand our practices.

6. Links to Other Websites

Our Site may contain links to third-party websites or services that are not owned or controlled by Frank Taylor & Associates. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

7. Disclaimer

The information on this Site is provided on an "as is" basis. To the fullest extent permitted by law, Frank Taylor & Associates excludes all representations, warranties, conditions, and terms relating to our Site and the use of this Site.

8. Limitation of Liability

In no event shall Frank Taylor & Associates, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Site.

9. Indemnification

You agree to defend, indemnify, and hold harmless Frank Taylor & Associates and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to legal fees).

10. Termination

We may terminate or suspend your account and bar access to the Site immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

13. Contact Information

If you have any questions about these Terms, please contact us: